What types of clients do you serve?

The breadth of experience within our practice enables us to serve individuals and families who are just starting out or those who have achieved a ultra-high net worth. We also specialize in providing advice to small and medium size business owners.

2

Will I be working with only one advisor or the team?

We believe our clients are best served with a team approach; however, we also believe it is important for our clients to have a primary advisor who is personally responsible for day to day activities.

When you call the office you will not get the typical corporate 1-800 voicemail maze. You are now part of the SJK Family and everyone in the office knows who you are and your individual story.

3

How much contact do you have with your clients?

Being able to regularly speak with our clients allows us to keep abreast of how to best provide excellent service. Whether a portfolio review is needed, if you’re scratching your head looking at college forms, or even a question comes up while you are at the car dealer, we want to be involved in helping you make smart decisions.

4

What is your investment approach?

We have made a business decision to do the heavy lifting – to take the road less traveled. It’s easy to run with the pack and invest in mutual funds exclusively, we choose not to set it and forget it. We build custom portfolios that fit your needs, not ours. We can utilize active or passive strategies, individual stocks, individual bonds, ETFs, mutual funds, and more. Whether you’re growing or preserving, we will be your trusted guide and work toward building the portfolio that suits your needs through all stages of life.

Special note for those entering retirement or currently retired:
We believe the true definition of wealth is “when your income exceeds your expenses.” As you approach retirement we shift your portfolio to income producing investments, like companies that pay dividends, not relying solely on principal appreciation to meet your retirement expenses. You’ve spent your entire working years living off the income you earned, why change that now?

5

How do we charge for your services?

We charge for investment service and/or financial planning services.

Investment Services
Our practice is typically fee-based meaning that we charge a percentage fee on the assets we manage for you. We believe this type of relationship eliminates conflicts of interest and puts us on the same side of the table as you. We also offer hourly consulting and brokerage services, as we know that one size does not fit all.

Financial Planning Services
When you set out on a journey do you know your destination? Do you know how long it will take to get there? What happens when you get there? Are there any detours along the way? A financial plan is like a road map for your financial journey. We start our relationships with a deep dive and together discover your destination and the smartest route. We charge a one-time flat fee based on complexity to develop your plan and then ongoing planning is included in the advisory fee described above if you engage our investment services.

6

Do others stand to gain from the financial advice you give me?

Our professionals are affiliated with LPL Financial, the nation’s largest independent broker/dealer. Therefore, we offer no proprietary investment products and engage in no investment banking activities. Our research and market insights are always objective and we are free to recommend any investments that will help you work toward your financial goals.

7

Will you work with my other advisors like my CPA or estate attorney?

Absolutely. Let us be your quarterback and coordinate advice between all your advisors. In today’s world, it is important to address your financial picture holistically. The actions you take with your investments can have a big impact on your taxes and estate plans and vice versa. If you are looking for tax advice*, we can connect you with one of our CPA Partners that can help ensure that we are holistically planning for the big picture.*LPL Financial does not endorse our CPA Partners, and LPL Financial is not a tax or legal adviser. You should discuss your specific situation with a qualified tax or legal advisor.

8

Are you a fiduciary?

In all advisory, financial planning and hourly consulting relationships we hold ourselves to a fiduciary standard. A fiduciary is a person who has to place their client’s interest ahead of his or her own. They also must disclose what their fees are, how they are compensated and any other conflicts or potential conflicts of interest that might influence their decision. Shouldn’t that be standard anyway?